Skip Navigation Download Adobe® Acrobat Reader to view Portable Document Format (PDF).
SAG-AFTRA Federal Credit Union,
Search LOGIN
LOGIN

Rates

APR AS LOW AS1 APPLIES TO LOANS WITH AUTO TRANSFER OF PAYMENT FROM YOUR CHECKING ACCOUNT 

                                                                                                     Effective January 1st, 2024

SAVINGS
SAVINGS Accounts Terms & Balances Primary Share Savings Regular Additional Regular Share Savings IRA Share Savings Coogan Share Savings Young Performer Share Savings
Minimum Deposit to Open Account $25 None $25 $25 $25
Minimum Balance to Maintain the Account or Avoid Low Balance Fee $250 None None None None
Minimum Balance to Earn Dividends $250 $250 $25 $25 $25
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$25.00 - $9,999.99

0.300% 0.300% 0.300%
$250.00 - $9,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$10,000.00 - $24,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$25,000.00 - $49,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$50,000.00 - $99,999.99 0.650% 0.650% 0.650% 0.650% 0.650%
$100,000.00 and Over 0.700% 0.700% 0.700% 0.700% 0.700%

CERTIFICATES
CERTIFICATE Accounts Minimum Deposit and Balance $1,000** Minimum Deposit and Balance $10,000** Minimum Deposit and Balance $25,000** Minimum Deposit and Balance $50,000**
CERTIFICATE Term: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
6 Months 2.900% 3.000% 3.050% 3.100%
12 Months 3.400% 3.500% 3.550% 3.600%
24 Months 3.500% 3.600% 3.650% 3.700%
36 Months 3.600% 3.700% 3.750% 3.800%
48 Months 3.700% 3.800% 3.850% 3.900%
60 Months 3.900% 4.000% 4.050% 4.100%

CHECKING
CHECKING Accounts Terms & Balances Performance Checking Account eChecking Account Senior Checking Account Health Savings Account (HSA)
Minimum Deposit to Open Account $25 $25 $25 $25
Minimum Balance to Maintain Account None None None None
Monthly Service Charge $7.95 $0.00* $0.00* None
Minimum Average Balance to Avoid Service Charge $1,000.00** $0.00* $0.00* None
Minimum Average Balance to Earn Dividends $1,000 N/A N/A No Minimum
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$ 0.01 and Over


0.010%
$1,000.00 and Over 0.010% N/A N/A

MONEY MARKET
MONEY MARKET Account Terms & Balances
Money Market Savings Account
Minimum Deposit to Open Account
$2,500
Minimum Balance to Maintain Account or Avoid Fee
$2,500
Minimum Balance to Earn Dividends
No Minimum
Balance Tiers to Earn Dividends:
Annual Percentage Yield
$ 0.01 - $2,499.99
0.300%
$2,500 - $24,999.99
1.000%
$25,000.00 - $49,999.99
1.050%
$50,000.00 - $74,999.99
1.800%
$75,000.00 - $99,999.99
1.900%
$100,000.00 and Over
2.000%
¹ indicates a 1% discount rate for loans scheduled for auto pay    
  APR* means Annual Percentage Rate. 
 
AUTOMOBILES
Loan Type Financing up to 120% based upon creditworthiness Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2023 & Newer Model Years


120%



$5,000 or more


60 Months


6.99%


$19.80



5.99% 



$19.33




2023 & Newer Model Years 120% $5,000 or more 72 months 7.24% $17.17 6.24% $16.69

120% $5,000 or more 84 Months 9.24%
$16.22
8.24%
$15.71

2019-2022 Model Year 120% $5,000 or more 60 months 7.49% $20.04 6.49%
$19.57
2019-2022 Model Years
120%  $5,000 or more 72 Months 7.74% $17.41 6.74% $16.93

120%  $5,000 or more 84 Months 9.74% $16.48 8.74%
$15.97

2014-2018 Model Years  100% $5,000 or more 60 Months 8.99% $20.76 7.99%
$20.28


MOTORCYCLES, BOATS, & RVs
Loan Type Financing up to 90% based upon credit worthiness Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2023 and Newer Model Years 90% $5,000 or more 60 Months 11.49% $22.00 10.49% $21.50

90% $5,000 or more 72 Months 11.74% $19.42 10.74%
$18.91


90% $5,000 or more 84 Months 13.74% $18.61 12.74%
$18.06

2019-2022 Model Years 90% $5,000 or more 60 Months 11.99% $22.25 10.99% $21.75

90% $5,000 or more 72 Months 12.24% $19.68 11.24% $19.17

90% $5,000 or more 84 Months 14.24% $18.88 13.24% $18.33
2014-2018 Model Years 90% $5,000 or more 60 Months 13.49% $23.01 12.49% $22.50



SIGNATURE LOANS (MINIMUM LOAN AMOUNT $1,500)
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As1 Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $15,000 60 Months 12.40% $22.46 11.40% $21.95


MUSICAL INSTRUMENT AND MUSICAL EQUIPMENT LOANS
Loan Type Financing Amount Term up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $50,000
Up to 60 Months
6.99%
$19.80 5.99%
$19.29
Musical Instrument and Musical Equipment Loans must be back by a UCC filing

VISA CREDIT CARDS (VARIABLE RATE)
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term
Visa Classic
Credit Limits up to $15,000 Revolving APR as low as
12.99%
N/A Prime + a margin N/A
New Visa Rewards!
Credit Limits up to $15,000 Revolving APR as low as
14.99%
N/A Prime + a margin N/A

SHARE SECURED LOAN
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available 100% of Share Bal. Up to $10,000 24 Months 3.50% $43.21


100% of Share Bal. Up to $10,000 48 Months 4.00% $22.59 - -

100% of Share Bal. Up to $10,000 72 Months 5.00% $16.11


CERTIFICATE SECURED MINIMUM LOAN AMOUNT $1,500
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR* & Term
Automatic Payment Discount Not Available Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate
- -

Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate



Home Equity Line of Credit
Loan Type CLTV Amount Maximum Term Up to APR*
Home Equity Line of Credit Up to 70% $125,000 20 year 8.75%
Home Equity Line of Credit Up to 80% $125,000 20 year 9.00%

MORTGAGE LOANS
Loan Type LTV Amount Maximum APR* as of 3/18/24
5/1 ARM 80% $2,000,000 6.125%
15-Year Fixed 80% $2,000,000 6.125%
30-Year Fixed 80% $2,000,000 6.750%
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment.
*APR means Annual Percentage Rate
*Auto Loan rates over $100,000 will be subject to a 0.50% rate increase